Saturday 17 October 2026
Export CUBI’s income statement to Excel — free account
Customers Bancorp, Inc
CUBI Financial Banks Regional
Customers Bancorp, Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.4 billion, up 2.82% from fiscal 2024. In the quarter to June 2026, revenue grew 5.90%, EPS grew 19.8%, free cash flow fell 34.6% and total debt rose 61.9%, each against the same quarter a year earlier. Operating cash flow growth for three consecutive years; insiders bought in the last twelve months.
74.78
0.43
+0.58%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.43 | 9.22 | 7.43 | 4.20 | 7.06 | 4.56 | 11.50 | 10.00 | 12.69 | 14.32 |
Piotroski F-Score |
6 | 4 | 6 | 3 | 6 | 7 | 5 | 5 | 4 | 7 |
P/S ratio |
1.66 | 1.10 | 1.22 | 1.00 | 2.46 | 0.94 | 1.49 | 1.20 | 1.81 | 2.60 |
P/FCF ratio |
4.92 | 10.68 | 14.11 | 0.00 | 7.16 | 4.45 | 18.33 | 9.47 | 20.68 | 11.30 |
P/Operating CF |
19.48 | 11.50 | (14.80) | (3.09) | 100.51 | 9.61 | 112.40 | (644.87) | 25.64 | 1.59 |
P/B ratio |
1.12 | 0.90 | 1.17 | 0.72 | 1.72 | 0.64 | 0.89 | 0.78 | 1.16 | 1.54 |
Price to Tangible BV |
1.12 | 0.90 | 1.17 | 0.73 | 1.72 | 0.64 | 0.91 | 0.79 | 1.19 | 1.58 |
EV/Sales |
(0.31) | (0.68) | (0.49) | 1.57 | 2.88 | 1.50 | 3.13 | 3.92 | 5.29 | 4.48 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(0.88) | (6.49) | (5.68) | (69.20) | 8.38 | 6.83 | 37.81 | 19.18 | 38.45 | 18.56 |
EV/FCF |
(0.91) | (6.55) | (5.70) | (57.95) | 8.39 | 7.07 | 38.54 | 30.80 | 60.52 | 19.50 |
Quick Ratio |
0.21 | 0.20 | 0.21 | 0.02 | 0.03 | 0.06 | 0.02 | 0.01 | 0.02 | 0.04 |
Current Ratio |
1.00 | 0.96 | 0.93 | 0.88 | 0.87 | 1.39 | 1.09 | 1.14 | 1.23 | 1.13 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
6.45% | 5.88% | 6.50% | 4.70% | 4.50% | 5.59% | 8.95% | 13.80% | 17.49% | 10.42% |
Debt/Equity |
0.76 | 0.71 | 0.85 | 0.70 | 0.65 | 0.92 | 0.98 | 1.42 | 1.87 | 1.14 |
Asset Turnover |
0.06 | 0.06 | 0.07 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
Operating CF/Net income |
2.37 | 0.87 | 0.53 | (0.10) | 0.98 | 1.13 | 0.64 | 1.70 | 0.97 | 1.32 |
Capex/Depreciation |
3.00 | (0.89) | 0.01 | 0.16 | 0.00 | (0.29) | (0.05) | (2.43) | (1.96) | (0.61) |
| 10.97% | 10.40% | 17.03% | 17.52% | 28.21% | 13.66% | 8.24% | 7.93% | 9.60% | 12.17% | |
| 0.89% | 0.76% | 1.12% | 1.08% | 1.58% | 0.79% | 0.61% | 0.58% | 0.67% | 0.78% | |
ROIC |
0.00% | 0.00% | 0.00% | 9.44% | 15.94% | 8.21% | 3.60% | 2.65% | 3.11% | 5.01% |
Return on Tangible Assets |
(1,355.25%) | (22.40%) | (18.73%) | (9.67%) | (13.18%) | 2.56% | 7.93% | 5.24% | 3.88% | 7.01% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
34.44% | 32.99% | 27.64% | 37.24% | 35.39% | 43.10% | 39.14% | 45.51% | 49.02% | 47.53% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.29% | 1.04% | 0.88% | 1.54% | 1.61% | 2.12% | 1.97% | 2.04% | 1.59% | 1.87% |
Graham Net Nets |
(0.69) | (1.34) | (1.51) | (3.55) | (1.50) | (1.50) | (0.30) | (0.48) | (0.09) | 0.00 |
Graham Number |
96.98 | 80.03 | 89.75 | 76.34 | 89.00 | 50.63 | 35.32 | 30.97 | 32.93 | 36.00 |
Earnings Yield |
8.75% | 10.85% | 13.45% | 23.82% | 14.17% | 21.95% | 8.69% | 10.00% | 7.88% | 6.98% |
Free Cash Flow Yield |
20.31% | 9.36% | 7.09% | (2.72%) | 13.96% | 22.49% | 5.46% | 10.56% | 4.84% | 8.85% |
Revenue per Share |
44.07 | 44.06 | 45.74 | 28.12 | 26.58 | 19.27 | 16.00 | 15.11 | 14.74 | 13.73 |
Operating CF per Share |
15.27 | 4.60 | 3.97 | (0.64) | 9.15 | 4.23 | 1.32 | 3.09 | 2.03 | 3.31 |
Capex per Share |
(0.42) | (0.04) | (0.02) | (0.12) | (0.02) | (0.15) | (0.03) | (1.21) | (0.74) | (0.16) |
Free Cash Flow per Share |
14.85 | 4.56 | 3.95 | (0.76) | 9.13 | 4.09 | 1.30 | 1.88 | 1.29 | 3.15 |
Cash per Share |
136.19 | 120.15 | 122.35 | 13.97 | 16.03 | 22.01 | 6.81 | 1.97 | 4.77 | 9.59 |
Shareholders Equity per Share |
65.31 | 58.29 | 52.12 | 42.99 | 42.28 | 35.46 | 33.76 | 30.31 | 30.04 | 31.01 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
65.31 | 58.29 | 52.12 | 42.99 | 42.28 | 35.46 | 33.76 | 30.31 | 30.04 | 31.01 |
Free Cash Flow |
481.16 | 143.65 | 124.25 | (24.87) | 294.97 | 128.85 | 40.51 | 59.20 | 39.52 | 87.03 |
Working Capital |
(32.18) | (749.64) | (1,264.55) | (2,268.27) | (2,285.79) | 4,625.79 | 808.46 | 1,080.56 | 1,645.22 | 973.95 |
Capital Expenditures |
(13.60) | (1.41) | (0.48) | (4.05) | (0.57) | (4.57) | (0.78) | (38.27) | (22.68) | (4.37) |
Net Current Asset Value |
(1,638.40) | (2,060.50) | (2,649.99) | (3,250.22) | (3,167.46) | (860.32) | (222.65) | (276.49) | (75.52) | (3.63) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.08 | 0.05 | 0.01 |
Price to Operating Income |
8.21 | 6.84 | 5.30 | 3.14 | 4.79 | 3.00 | 6.89 | 6.02 | 6.55 | 7.82 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
(0.27) | 0.24 | (9.54) | (2.76) | (22.40) | 1.40 | 1.65 | 1.42 | 0.97 | 0.56 |
Cash ROIC |
5.92% | 2.07% | 1.81% | (0.88%) | 10.66% | 4.53% | 1.76% | 2.49% | 1.42% | 4.15% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.04 | 0.04 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
12,451.57 | 10,214.81 | 9,620.21 | 25,328.53 | 63,917.55 | 29,567.70 | 16,933.32 | 16,285.69 | 23,525.00 | 36,497.88 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
19,812.58 | 18,383.35 | 18,038.60 | 17,467.44 | 14,043.93 | 9,979.43 | 7,895.59 | 6,971.19 | 7,051.96 | 6,483.10 |
Average Assets |
23,602.06 | 21,812.26 | 21,106.19 | 20,235.57 | 19,007.14 | 14,979.99 | 10,677.07 | 9,836.49 | 9,611.15 | 8,890.47 |
Average Common Equity |
1,907.20 | 1,599.74 | 1,382.88 | 1,246.80 | 1,064.02 | 867.47 | 787.33 | 721.42 | 670.95 | 568.37 |
Columns are period end dates